Legal claims defining the scope of protection, as filed with the USPTO.
1. A method for processing a transaction using a dynamic PAN (Primary Account Number), which is performed by a payment device that provides a card reader with ISO (International Standardization Organization) standards of track 2 information, comprising: dividing a PAN area of the track 2 information into a first area, in which a BIN (Bank Information Number) is included, and a second area, in which the BIN is not included; forming a dynamic area by encrypting the second area; forming a dynamic PAN area by combining the first area with the dynamic area; and providing track 2 information including the dynamic PAN area to the card reader.
2. The method of claim 1 , wherein the dynamic PAN area is dynamically encrypted by using as a variable, any one of an ATC (Application Transaction Count) and a random value that the payment device generates whenever payment is made.
3. The method of claim 1 , further comprising, after forming the dynamic PAN area, forming a first format of data by converting the dynamic PAN area into an ISO format.
4. The method of claim 3 , further comprising, after forming the first format of data, forming a second format of data by encrypting the first format of data.
5. The method of claim 1 , wherein the track 2 information includes the BIN, an Expiration Date (ED) area, a Service Code (SC) area, and a Discretionary Data (DD) area.
6. The method of claim 1 , wherein the dynamic area is generated by an encryption algorithm that uses a value of the second area of the PAN, the random value, and the ATC as variables, and the encryption algorithm is any one of AES (Advanced Encryption Standard), RSA (Rivest, Shamir, Adleman), DES (Data Encryption Standard), TDES (Triple DES), and ARIA (Academy Research Institute Agency).
7. The method of claim 1 , wherein the payment device is any one of an electronic credit card and a portable terminal.
8. The method of claim 7 , wherein the portable terminal provides the track 2 information to the card reader, using NFC (Near Field Communication).
9. The method of claim 8 , wherein the portable terminal has any one of a USIM chip integrated with an NFC chip for the NFC and a finance chip for financial transactions.
10. The method of claim 1 , wherein the first area ranges from 4 bytes to 10 bytes.
11. The method of claim 1 , wherein the random value is generated in the payment device when a transaction occurs between the payment device and the card reader.
12. The method of claim 1 , wherein the payment device is an electronic credit card in which IC (Integrated Circuit) is embedded.
13. The method of claim 12 , wherein the payment device has a finance chip for financial transactions.
14. The method of claim 1 , wherein the payment device is a portable terminal including a USIM (Universal Subscriber Identity Module) chip.
15. The method of claim 14 , wherein the USIM chip is integrated with an NFC chip.
16. The method of claim 1 , wherein the track 2 information, in which the first area is unencrypted, is formed by encrypting the remaining area that excludes the first area from the track 2 information.
17. The method of claim 1 , wherein in the track 2 information, only the second area is encrypted and the remaining area excluding the second area is not encrypted.
18. The method of claim 1 , wherein the PAN area of the track 2 information is a card number assigned to the payment device.
Unknown
May 22, 2018
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